Lexis Nexis Risk Solutions O Verview

LexisNexis® Risk Solutions Business Overview

Proven Industry Leader

20 billion public and proprietary records Coverage on more than 400 million individuals Coverage on more than 150 million business locationsPatent-pending data matching and linking logic$1.5 billion in revenues in 2008Expanded services and solutions added with Reed Elsevier acquisition of ChoicePoint ® (September, 2008)

LexisNexis® Risk Solutions is a leader for how information advances and protects people, industry and society:

2

Our Technology

3

LexisNexis Data Analytics Supercomputer

For more than thirty years, LexisNexis has been on the frontier of large-scale data management and analysis. Powered by high performance computing cluster technology (HPCC), the LexisNexis Data Analytics Supercomputer (DAS) was originally designed to:

Solve the organization’s internal data management and large-scale data analytics challenges.

Deliver the speed and accuracy demanded by its expanding customer base.

Today, DAS powers all of the company’s risk management solutions and helps customers solve large, complex data challenges such as national security issues.

DAS supports millions of transactions per day and performs 10 times faster than the next fastest system for large data analysis.

4

Intuitive Programming Language

The core of DAS is the Enterprise Control Language (ECL). ECL programming efficiency is proven to be far greater than other approaches.

Declarative, non-procedural programming language optimized for large-scale data management and query processing

Automatically manages workload distribution across all nodes, including all aspects of the massive data joins, sorts and builds that truly differentiate DAS from other technologies in its ability to provide flexible data analysis on a massive scale.

Benefits programmers, who do not need to understand how to manage the parallel processing environment. As a result, users can express complex queries with less programming time and fewer lines of code than other conventional programming languages.

5

The Next Level of Linking and Analysis Technology

LexisNexis® Link ID™:

• Securely and intelligently analyzes billions of partial and complete records

• Filters and links that information based on relevance to connect seemingly unrelated data

• Provides the most comprehensive, accurate information delivered at industry-leading speed

6

7

Processing power to allow for complex matching, scoring and processing in real time, at point of need.

Data AnalyticsUnique and proven analytic tools

based on all data sources.Link ID, our advanced technology which matches and links files across disparate

data sources.

Linking

Advanced Technology

Public record and proprietary data on consumers and businesses.

ƒx(x,y) = (x-y)2

Link ID Matches and Links DataAcross Disparate Sources

Key Benefits of LexisNexis Link ID

• Connects seemingly unrelated data for better results from the first search

• Delivers a more comprehensive picture of an individual

• Promotes privacy and security best practices

8

More complete information reduces the need for costly and time-consuming extended searches later in the discovery process

Turn seemingly unrelated data into meaningful information.

Our Solutions & Capabilities

9

LexisNexis® Advanced Government Solutions

LexisNexis Advanced Government Solutions enables government agencies to efficiently and securely analyze seemingly unrelated pieces of data and quickly identify and connect relevant, insightful information resulting in a multi-faceted view of your subject. Our solutions lead to more accurate, timeline and informed decisions.

10

About Advanced Government Solutions

LexisNexis is a leader in government and law enforcement solutions.

• We serve more than 7,000 federal, state and local law enforcement and government agencies.

• We provide the most comprehensive public records database with over 5 billion public records from 10,000 sources.

• Industry-leading technology with LexisNexis Link ID™.

• Our results are 2-3 times more accurate than competitive solutions.

• Our staff has over 30+ years of law enforcement experience, supervising over 24,000 criminal investigations.

11

Our Capabilities

LexisNexis Risk Solutions offers many capabilities that are available for all industries.

Data and Analytics

Identity Authentication and Verification

Fraud Detection and Prevention

Screening

Receivables Management

12

LexisNexis® Data and Analytics

LexisNexis helps uncover the information you need to get a complete picture of individuals, businesses and assets with industry-leading data and analytic solutions. Benefit from the largest base of public and proprietary information available. Our advanced technology can make connections between seemingly unrelated data to identify and connect relevant, insightful information quickly and securely.

13

About Data and Analytics

14

LexisNexis has the largest base of public and proprietary information available and industry-leading best practices around information security.

• LexisNexis has more than 10,000 data sources and gathers information from more than 20 billion public and proprietary records. In addition, we have approximately 20 percent more data than other providers, with information on 400 million individuals.

• Our FraudPoint solution is able to evaluate 75 million more consumers that traditional credit bureaus.

• Best Name and Address is a powerful data hygiene solution that optimizes marketing data by updating your address files and detecting name changes.

• Industry-leading technology with LexisNexis Link ID.

LexisNexis® Identity Authentication & Verification

LexisNexis identity authentication and verification solutions help you better understand your customers, employees and vendors giving you the piece of mind you need to do business safely, securely and profitably.

15

About Identity Authentication & Verification

16

LexisNexis offers flexible, scalable solutions to help authenticate, verify and discover identities.

• Our InstantID® product can instantly verify over 400 million U.S. consumer identities and over 175 million business identities and is the only identity verification and validation solution endorsed by the American Bankers Association.

• With access to more than 5 billion records, our Accurint® product leverages LexisNexis Link ID™ and can return detailed search results to the user’s desktop in seconds.

• LexisNexis ranked #17 in the FinTech100 and #2 in the Insurance Top 10.

LexisNexis® Fraud Detection and Prevention

LexisNexis fraud detection and prevention solutions provide relevant information about people, businesses and assets in order to safeguard your organizations against new instances of fraud. Our solutions help you increase your ability to detect and prevent fraud, contain costs and protect revenue.

17

About Fraud Detection and Prevention

18

LexisNexis helps you reduce fraud risk by quickly and intelligently analyzing billions of records on businesses and individuals .

• FraudPoint® targets your riskiest applications within a small percent of accounts originated. Identify 40% or greater fraudulent applications in just 5-10% of your new account base.

• We have active data files on approximately 37 million individuals with no credit history and an additional approximately 35 million individuals with credit history less 18 months old, helping improve credit decisions on thin-file and no-file Americans.

• MARI offers the Mortgage Industry Data Exchange® (MIDEX®), the only MBA-endorsed vendor screening solution available to the mortgage industry.

LexisNexis® Screening

LexisNexis screening solutions sets the standard for mitigating risk in the people you screen by providing fast, accurate and insightful decisioning tools, so you can confidently make the right decision every day.

19

About Screening

LexisNexis is a leader in employment, resident and volunteer screening.

• More than 12 million background checks processed in 2008.

• More than 3 million drug screens performed in 2008.

• More than 27,000 clients across all industries• Named as a “Top Provider of Full-Service

Workplace Screening” in the Human Resource Outsourcing (HRO) Today publication.

• Largest collector of criminal records from courthouses:

• 6,000+ proprietary records added daily• 8M+ visits to courthouses each year

20